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Middlesex Savings Bank
Natick, MA · FDIC Certificate #90183 · Chartered 03/0
Total assets
$6.15B
Total deposits
$5.18B
Total equity
$808.01M
Net loans
$3.75B
Branches (offices)
34
Net income (YTD)
$22.24M
Rank: #245 of 4,213 U.S. banks by assets · #8 of 89 in Massachusetts. Assets changed 0.8% and deposits -1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.72% |
| Return on equity | 5.57% |
| Net interest margin (YTD) | 2.72% |
| Equity to assets | 13.14% |
| Tier 1 leverage ratio | 13.44% |
| Uninsured deposits (share of deposits) | 22.4% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 72.5% |
| Real estate loans (share of loans) | 94.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.53B | 94.0% | |
| Commercial & industrial | $194.94M | 5.2% | |
| Consumer / individual | $31.25M | 0.8% | |
| Construction & development | $269.56M | 7.2% | |
| Agricultural | $281.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $6.02B | $5.26B | $7.69M | $619.36M |
| Jun 2023 | $6.22B | $4.88B | $9.16M | $615.25M |
| Jun 2024 | $6.04B | $5.05B | $10.54M | $668.16M |
| Jun 2025 | $6.10B | $5.23B | $11.40M | $738.19M |
| Jun 2026 | $6.15B | $5.18B | $22.24M | $808.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $5.18B | 34 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.18B.
Similar-sized banks
First Financial Bank, National Association ($6.17B) · Shore United Bank, National Association ($6.15B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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